> ## Documentation Index
> Fetch the complete documentation index at: https://docs.mnrl.app/llms.txt
> Use this file to discover all available pages before exploring further.
# How Monorail AI credits work: a complete guide
> Credits are the usage currency on Monorail AI. Learn how credits are consumed by AI model, what affects the cost, and how to get more credits.
Credits are the unit of usage on Monorail AI. Every time you generate content — whether text, an image, a video, or audio — credits are deducted from your balance based on the AI model used and the amount of content produced. Understanding credits helps you choose the right model for the job and make the most of your plan.
## Credit basics
* **Credits are included with every plan.** Freemium accounts receive a limited number of credits; paid plans include 1,000–5,000 credits per month depending on your tier.
* **Credits refresh each billing period** on paid plans, starting from your renewal date.
* **Unused credits do not roll over** to the next billing period.
* **Credits have no cash value** and are non-transferable between accounts.
* **Additional credits are available to purchase** as one-time packs. Lifetime deals with permanent credit access are also available on the [pricing page](/billing/plans).
## What affects credit cost?
The number of credits a generation consumes depends on three factors:
1. **Which AI model you select.** Premium and flagship models cost more credits per unit than standard or lightweight models.
2. **How much content is generated.** Text is measured in tokens, audio in seconds or characters, and images in megapixels or image count. More output means more credits.
3. **Whether you use a Pro or standard model.** Pro-tier models from each provider are generally more capable and more credit-intensive.
## Credit rates by provider
The tables below show credit rates for the most widely used models on each provider. Rates are shown as input rates unless otherwise noted.
OpenAI models cover text generation, image generation, speech-to-text, text-to-speech, and video. GPT-4o and GPT-4.1 are the most popular choices for general-purpose text tasks.
| Model | Credit rate |
| ------------------------ | -------------------------------- |
| GPT-4o | 1 credit = 2,800 tokens (input) |
| GPT-4.1 | 1 credit = 3,500 tokens (input) |
| GPT-3.5 Turbo | 1 credit = 14,000 tokens (input) |
| Whisper (speech-to-text) | 1 credit = 70 seconds |
| TTS 1 (text-to-speech) | 1 credit = 466 characters |
| Sora 2 (video) | 1 credit = 62.5 seconds |
Anthropic's Claude models are well-suited for complex reasoning, long-form writing, and nuanced instruction-following tasks.
| Model | Credit rate |
| ----------------- | ------------------------------- |
| Claude Sonnet 4.6 | 1 credit = 2,330 tokens (input) |
| Claude Haiku 4.5 | 1 credit = 7,000 tokens (input) |
| Claude Opus 4.6 | 1 credit = 1,400 tokens (input) |
xAI's Grok models support text, image generation, and video. Grok 4 Fast is one of the most credit-efficient options for high-volume text tasks.
| Model | Credit rate |
| ----------- | -------------------------------- |
| Grok 4 | 1 credit = 2,330 tokens (input) |
| Grok 4 Fast | 1 credit = 35,000 tokens (input) |
| Grok Video | 1 second = 7.14 credits |
| Grok Image | 1 credit = 3.5 images |
Cohere's Command models are optimized for enterprise text tasks including summarization, classification, and retrieval-augmented generation.
| Model | Credit rate |
| ---------- | -------------------------------- |
| Command A | 1 credit = 2,800 tokens (input) |
| Command R+ | 1 credit = 2,800 tokens (input) |
| Command R | 1 credit = 46,670 tokens (input) |
ElevenLabs provides high-quality, expressive text-to-speech across a wide range of voices and languages. All ElevenLabs voices share the same credit rate.
| Model | Credit rate |
| ----------------------- | ------------------------ |
| ElevenLabs (all voices) | 1 credit = 42 characters |
Speechify offers natural-sounding text-to-speech voices at a lower credit cost per character, making it a good choice for longer voiceover scripts.
| Model | Credit rate |
| ---------------------- | ------------------------- |
| Speechify (all voices) | 1 credit = 116 characters |
FalAI powers image and video generation, with a range of models from fast and efficient to high-resolution and cinematic quality.
| Model | Credit rate |
| ----------------- | --------------------------- |
| FLUX.1 \[schnell] | 1 credit = 2.33 megapixels |
| FLUX 1.1 \[pro] | 1 megapixel = 8.57 credits |
| Imagen 4 | 1 image = 2.86–5.71 credits |
| Veo 3 (Fast) | 1 second = 21.43 credits |
| Kling 2.5 Pro | 1 second = 10 credits |
For a complete list of all models and their exact credit rates, visit the [credits page](https://www.mnrl.app/credits) on the Monorail AI website.
## Getting more credits
If you run low on credits, you have several options:
* **Upgrade your subscription plan** for a larger monthly credit allowance. Pro starts at $9.99/month (1,000 credits), Pro+ at $24.99/month (2,500 credits), and Ultra at \$49.99/month (5,000 credits).
* **Purchase credit packs** for one-time top-ups without changing your plan.
* **Lifetime deals** are also available, giving you permanent access to a credit balance without a monthly commitment.
Visit [Plans & Billing](/billing/plans) to compare options and upgrade.